In order for lenders, borrowers, and pool owners to perform lending business operations, TRAVA.FINANCE develops smart contracts divided into 5 groups: (1) Pool parameter optimization, (2) Cross-chain digital asset evaluation, (3) Credit score evaluation, (4) Digital asset (NFT, stoke token, etc.) auction-based pricing, and (5) Data analysis. These smart contracts are deployed on all nodes in the TRAVA.FINANCE network.